Ecs Federal, LLC

• This employer files 2 health plans for this group; we judged them together.

1. Ecs Federal, LLC Welfare Benefit Plan · 3,918 people · Self-funded · federal rules

   • The filing says benefits are paid from the employer's general assets.
   • No medical insurance contract is on file (Schedule A).
   • We ignored 3 low-cost supplemental policy(ies) such as accident or hospital cover; they don't decide how your medical claims are handled.
   • We ignored a small insurance contract with Four Ever Life Ins, UnitedHealthcare covering about 21 people; it is too small to be the main plan.

2. Ecs Federal, LLC Health and Welfare Plan · 252 people · Insured · state rules

   • Medical insurance bought from Aetna is on file, covering about 176 people.
   • The filing says all benefits are paid through insurance contracts.

Double-check in 30 seconds: “Self-funded”, “administered by” or “ASO” on your card or plan summary means self-funded. “Insured by” or “underwritten by” means insured.